DSCR & Investor Loans
Qualify on property cash flow, not personal income.
You qualify on the property's rental income, not your tax returns. This covers long-term rentals, short-term rentals, small multifamily, and 5+ unit apartments. You can buy in an LLC, and portfolio options are available.
Typical Terms
Cash-flow qualification · LLC & entity vesting · 1–4 unit and 5+ unit options · Portfolio lines available
Eligible Properties
- 1–4 unit long-term rentals
- Short-term rental (Airbnb / VRBO) portfolios
- 5+ unit multifamily
- Mixed-use with residential
What We Need
- Rent roll or lease agreements
- Operating statements / P&L
- Form 1007 market rent (if applicable)
- Entity documents (LLC)
- Schedule of real estate owned
5-unit short-term rental, Mississippi Gulf Coast — DSCR investor financing based on short-term rental cash flow, closed in an LLC.
Other commercial programs
DSCR / Investor FAQ
Can I qualify without showing personal income?
For many investor properties, yes. DSCR and commercial investor loans are qualified mainly on the property's cash flow, so your personal tax returns are not the primary driver.
Can I close in an LLC?
Yes. Most investors close under an LLC or other entity, and we review the operating agreement, EIN letter, and entity standing during processing. Portfolio options are available for operators scaling multiple doors.